How much is pet insurance for an Irish Setter?

Every published Irish Setter figure

Each source measures something different, so the figures sit side by side and are never averaged together. Of the breed tables tracked here, only Pawlicy Advisor's includes the Irish Setter: Forbes Advisor, Fetch and Insurify publish shorter breed lists that leave it out.

Where the Irish Setter sits among 82 dog breeds

Ranked by Pawlicy's median, the Irish Setter is the 18th most expensive of the 82 dog breeds and types Pawlicy lists. Its median is 27% more than the middle dog breed on that list ($59.27) and 65% more than Pawlicy's mixed-breed dog ($45.70).

The spread inside the breed matters as much as the median. A quarter of Irish Setter quotes came in under $70.20 and a quarter over $127.84; the middle half spans 76% of the median. The range stretches much further above the median ($52) than below it ($5), so the dearest quotes, typically older pets or richer coverage, pull well away from the typical one. Pawlicy does not say which ages, deductibles or limits sit at each end.

Health problems that drive Irish Setter claims

The American College of Veterinary Surgeons names the Irish Setter among the breeds predisposed to 1 condition covered here:

• Gastric dilatation-volvulus (bloat): Trupanion lists an average claim of $3,525, about 46.8 months of the Irish Setter's figure above.

Hereditary conditions matter for buying decisions because the NAIC Pet Insurance Model Act (Section 4A) requires insurers to disclose any exclusion for pre-existing, hereditary, congenital or chronic conditions before a policy is sold. The Irish Setter health problems page sets out each condition, its treatments and the costs.

Premiums against a real vet bill

Insurers' own claim data gives a sense of scale. For gastric dilatation-volvulus (bloat), a condition ACVS links to the Irish Setter, Trupanion publishes an average claim of $3,525. At $75.35 a month that bill equals 46.8 months of premiums.

Worked through a policy with a $250 deductible and 80% reimbursement (the terms Forbes Advisor priced): the policy pays ($3,525 − $250) × 80% = $2,620, leaving $905 for the owner. Add a year of premiums ($904) and the insured year costs $1,809 against $3,525 without cover, $1,716 less. *The break-even bill, where both cost the same, is $250 + $904 ÷ 80% = $1,380 in a policy year; a year with smaller bills costs more insured. The calculator reruns this with other terms, and is pet insurance worth it? shows the method.

Age moves the price more than breed

These all-breed figures cannot be applied to the Irish Setter figure above, but they show the direction. Forbes Advisor's average for a dog at a $5,000 limit runs from $43 at 3 months to $74 at 7 years (72% more). Insurify's medians climb from $46 for an adult dog to $116 for a senior, 152% more. NAPHIA's average dog premium rose 34% from 2021 to 2025. See pet insurance cost by age.

Similar dog premiums

• Soft Coated Wheaten Terrier: $77.13 a month (Pawlicy Advisor)
• French Bulldog: $77.47 a month (Pawlicy Advisor)
• Rottweiler: $78.05 a month (Pawlicy Advisor)
• English Bulldog: $78.58 a month (Pawlicy Advisor)

Premiums also vary by state: Pawlicy's all-pet median runs from Hawaii ($64.01) through Oklahoma ($43.97) to Alaska ($28.02). No source publishes breed figures by state, so this site does not combine the two. Browse every state or every breed.

Sources: Pawlicy Advisor (Median monthly premium of real Pawlicy customer quotes across the insurers it sells; the range is the 25th to 75th percentile. The page labels the median as the average.), NAPHIA State of the Industry 2026, Trupanion claims examples, NAIC Pet Insurance Model Act. Last checked October 20, 2026. Method on the methodology page.